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Looking for ways to save on your homeowner insurance premiums? Here are a few easy strategies that may lower your homeowner’s insurance premiums without reducing the amount of coverage. Increase your deductible A deductible is the portion of any covered loss that you pay before your policy provides payment. You can usually lower the cost of your insurance when you increase your deductible. You start saving right away and pay the deductible amount only if you have a covered loss. For many insureds, the premium savings over time more than[.....]

The post 4 ways to save on your homeowner insurance premiums appeared first on The Cincinnati Insurance Companies blog.

Part 2 of 4 Construction is among the most dangerous industries in the country. Bureau of Labor Statistics (BLS) data for 2014 showed 885 fatal on-the-job injuries, more than in any other single industry sector and nearly one out of every five work-related deaths in the U.S. that year. The Occupational Health and Safety Administration (OSHA) calls the leading causes of worker deaths on construction sites its Focus Four: falls, electrocution, struck by and caught in or between. These four leading hazards are responsible for 71 percent of deaths and[.....]

The post Focus Four construction-related hazards: Electrocution appeared first on The Cincinnati Insurance Companies blog.

You walk into your office on a Monday morning to discover there has been a sewer line backup. After the initial shock, you wonder, “Do I have insurance coverage for this? If I do have coverage, what are my limits?” These are important questions, and ones you should consider asking your local independent agent now. If you are a dentist, veterinarian or optometrist, losses could be costly. Carpet, furniture, fixtures and business equipment will need to be replaced or professionally disinfected. You may also lose business income for several weeks[.....]

The post Sewer line backup: Know your coverage appeared first on The Cincinnati Insurance Companies blog.

Part 1 of 4 Construction is among the most dangerous industries in the country. Bureau of Labor Statistics (BLS) data for 2014 showed 885 fatal on-the-job injuries, more than in any other single industry sector and nearly one out of every five work-related deaths in the U.S. that year. The Occupational Safety and Health Administration (OSHA) calls the leading causes of worker deaths on construction sites its Focus Four: falls, electrocution, struck by and caught in or between. These four leading hazards are responsible for 71 percent of deaths and[.....]

The post Focus Four construction-related hazards: Falls appeared first on The Cincinnati Insurance Companies blog.

You’re driving along; the car in front of you swerves erratically, the driver apparently under the influence. As you pass, you glance over and shake your head. A look of self-righteous indignation crosses your face, but the driver has no clue of your disgust. You look more closely and see that the driver is obviously under the influence … of a smart phone! Raise your hand if you’ve ever seen this. Keep your hand up if you’ve seen other drivers eating a sandwich, fumbling with a hot cup of coffee,[.....]

The post Distracted driving: Raise your hand if you’ve done this appeared first on The Cincinnati Insurance Companies blog.